Introduction In 2026, millions of Americans are facing financial stress due to credit card debt, medical bills, student loans, and personal loans. According to the Federal Reserve, total household debt in the USA has crossed $17 trillion, with credit card debt hitting record highs. When debt feels overwhelming, the good news is that you’re not alone — and there are solutions. This is where debt relief options in USA come into play. In this guide — Debt Relief Options in USA 2026 — we’ll break down every major method of debt relief, from debt consolidation to settlement, management, forgiveness, and even bankruptcy. We’ll use real examples, pros & cons, expert…